Spar SBI Card
Rewards & Benefits
Welcome Benefits
2,000 reward points equivalent to INR 500 on payment of annual fee.
Milestone Benefits
Milestone Benefits: 1000 bonus reward points on annual spends of Rs 20,000 across all landmark stores. 2,000 bonus reward points on annual spends of Rs 45,000 across all landmark stores. 5,000 bonus reward points on annual spends of Rs 95,000 across all landmark stores.
Cashback Rate
Users will get 5 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. The effective store cashback rate: 1.25%.
5 points on spend of every INR 100 on dining, movies & entertainment spends. The effective dining/entertainment cashback rate: 1.25%.
1 reward point per INR 100 spent on other retail purchases (Non-fuel). The effective general cashback rate: 0.25%.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
INR 499 + Taxes.
Annual Fee
INR 499 + Taxes.
Cash Advance Fee
Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.
Interest rate
3.50% per month (42% per annum) from the transaction date.
Late Payment Fee
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Foreign Currency Transactions Fee
3.50%
Other Fees
Renewal Fee (per annum): INR 499 + Taxes. | Reward Redemption Fees: INR 99/- per redemption.
दोष
Low general cashback rate.
Card suited only for those individuals who purchase regularly from Landmark st
Welcome Benefit: Users will get 2,000 reward points equivalent to INR 500 on payment of the annual fee.
Reward System: Users will get 5 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 1.25%. 5 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 1.25%. 1 reward point per INR 100 spent on other retail purchases (Non-fuel). Effective general cashback rate: 0.25%.
Milestone Benefits: 1000 bonus reward points on annual spends of INR 20,000 across all landmark stores. 2,000 bonus reward points on annual spends of INR 45,000 across all landmark stores. 5,000 bonus reward points on annual spends of INR 95,000 across all landmark stores.
2,000 reward points worth INR 500 will be awarded on payment of renewal fees.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
1. Online: This is the faster and more convenient method:
Visit the SBI Card website: Head to the official SBI Card website.
Navigate to the Spar SBI Card page: Find the "Personal" category and choose "Shopping" as the sub-category.
Click "Apply Now": Look for the prominent "Apply Now" button on the card page.
Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.
Review and submit: Carefully review the application details.
Await decision: You'll receive an instant preliminary decision based on the information provided.
2. Offline: This method involves visiting a SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the Spar SBI Card.
Fill out the application form: A bank representative will assist you with the form and guide you through the process.
Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.
Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.
सम्पर्क करने का विवरण
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will get 2,000 reward points equivalent to INR 500 on payment of the annual fee.
Reward System: Users will get 5 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 1.25%. 5 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 1.25%. 1 reward point per INR 100 spent on other retail purchases (Non-fuel). Effective general cashback rate: 0.25%.
Milestone Benefits: 1000 bonus reward points on annual spends of INR 20,000 across all landmark stores. 2,000 bonus reward points on annual spends of INR 45,000 across all landmark stores. 5,000 bonus reward points on annual spends of INR 95,000 across all landmark stores.
2,000 reward points worth INR 500 will be awarded on payment of renewal fees.
Low general cashback rate.
Card suited only for those individuals who purchase regularly from Landmark st
The USP of the card is that it offers 37.5% cashback on landmark stores (Lifestyle, Home Centre, Max and Spar). The card also offers good milestone benefits and welcome benefits. Card comes equipped with free domestic lounge visits, and free membership to priority pass. Card is a good beginner/first credit card for the youth.
The USP of the card is that it offers 37.5% cashback on landmark stores (Lifestyle, Home Centre, Max and Spar). The card also offers good milestone benefits and welcome benefits. Card comes equipped with free domestic lounge visits, and free membership to priority pass. Card is a good beginner/first credit card for the youth.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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